Best bank in Finland 2026: how to choose
Updated
In short (15 October 2026): In customer satisfaction (EPSI, 2026) the leaders are S-Bank 82, Ålandsbanken 81.4 and Säästöpankki 77.3; lowest base price €0.00/month: S-Bank (member price; €15.00 for others), Revolut, N26, bunq and Wise.
Contents
The best bank is the one that fits your own use: a low base price, good customer satisfaction and the services you need. Below are quick picks and a table that show the differences.
| Bank | EPSI score | Year | Online account opening |
|---|---|---|---|
| S-Bank | 82 | 2026 | Yes |
| Ålandsbanken | 81.4 | 2026 | No |
| Säästöpankki | 77.3 | 2026 | No |
| Aktia | 75.4 | 2026 | No |
| OP | 73 | 2026 | Yes |
| Nordea | 71.7 | 2026 | Yes |
| Oma Säästöpankki | 71.4 | 2026 | No |
| Danske Bank | 69.4 | 2026 | Yes |
| POP Bank | 68 | 2026 | No |
| bunq | not available | not available | not available |
| N26 | not available | not available | not available |
| Revolut | not available | not available | not available |
| Wise | not available | not available | not available |
What should you base your choice of bank on?
- Price: the monthly fee and other costs.
- Customer satisfaction and service.
- The cost of use abroad, if you travel.
- Deposit guarantee and the bank's home country.
- Extra services you need, such as a child's account or a savings account.
| Bank | Package | Price / month |
|---|---|---|
| S-Bank | Everyday services for an owner-customer | €0.00 (member price; others pay €15.00) |
| Revolut | Standard | €0.00 |
| N26 | Standard | €0.00 |
| bunq | bunq Free | €0.00 |
| Wise | Wise account | €0.00 |
| OP | Everyday services package, owner-customer (OP Debit, OP Classic or OP Basic) | €3.95 (member price; others pay €8.25) |
| Nordea | Blue package | €4.99 |
| Danske Bank | Danske Silver, benefit level 1 | €7.80 |
| Säästöpankki | Everyday services (example: Säästöpankki Optia) | €10.00 |
| Oma Säästöpankki | Everyday services priced separately | €10.50 |
| POP Bank | Everyday services (example: POP Bank Suomen Osuuspankki) | €10.70 |
| Aktia | Everyday services priced separately | €11.00 |
| Ålandsbanken | Everyday services priced separately | €11.00 |
The member price at S-Bank requires a refundable membership contribution (€100). Other customers pay €15.00.
The member price at OP requires a refundable membership contribution (€100). Other customers pay €8.25.
Which banks suit different situations?
Low cost:
Travellers:
- Danske Bank - traditional bank
- Ålandsbanken - traditional bank
- Revolut - digital bank
- N26 - digital bank
- bunq - digital bank
- Wise - payment institution
Foreigners:
Customer satisfaction is based on the EPSI Rating survey: the 2026 banking survey was published on 21 September 2026, the score scale is 0-100 and over 75 points means very satisfied customers. Source: EPSI Rating Finland. Digital banks, Handelsbanken and Alisa Pankki are not included in the survey.
How do I make the decision?
Shortlist two or three banks from the table, go through the bank comparisons and work out your monthly cost with the calculator. If the choice turns out badly, you can switch banks.
Related guides
Frequently asked questions
Which is the best bank in Finland?
In October 2026, Pankkitutka does not name a single best bank, because the best choice depends on how you bank. In customer satisfaction (EPSI Rating Finland 2026) the leaders are S-Bank 82, Ålandsbanken 81.4 and Säästöpankki 77.3. The lowest base price is €0.00/month: S-Bank (member price; €15.00 for others), Revolut, N26, bunq and Wise. The member price at S-Bank requires a refundable membership contribution (€100). Other customers pay €15.00.
What criteria should I use when choosing a bank?
Price, customer satisfaction, service channels, deposit guarantee and the cost of use abroad are the most important.
Can I switch banks later?
Yes. Switching banks is easy, so the choice is not final.